Lance Wilkes

Can you talk a little bit about kind of the net trend impact

could you walk through Medicaid trends kinda 25 contrast with 26 in a couple different ways

what sort of variability are you seeing across states in rates

what's the strategy as you go into '26 and beyond to address kind of product structure and benefit structure to either reposition yourselves

Can you talk a little bit about what trend level you're seeing for specialty and how it differentiates between maybe PDP, MAPD, and Medicaid

Can you talk a little bit about pipeline and appeals process in the Medicaid space, and in addition to that, talking a little bit about what your strategic priorities

the progress you're making on the second blue bid sort of opportunity out there

could you talk a little bit about rate outlook for 2026? And then could you help frame for us how we should be thinking about this on a go-forward basis

could you talk a little bit about how you're looking at that book, if there's a wide range of margins by state and contract? And what are your opportunities to exit any contracts

if you could just talk a little bit about utilization you're seeing by category, inpatient, outpatient, et cetera, and then also differences by segment

could you talk a little bit about the Carelon services really strong growth and in particular, could you talk to cross sales into the [Anthem] (ph) book of business

Could you talk a little bit about what you were seeing in terms of utilization? In particular, perhaps you could talk to what you're seeing in trends by product like, MA and commercial

Could you talk a little bit about compensation ratio and labor supply and talking a little on overall, how you're managing that so well

Can you talk a little bit about how you're seeing the downstream impacts from the pressure on the managed care organizations both in the quarter and the outlook

Could you talk a little bit about the progress on labor and labor you've been making? In particular, talking to the pace of hirings in like nurse and support staff

are those things that are being done sort of within each of the units? Or are you setting up kind of flex corporate staff

what's the impact to MLR, if any, of, of any changes to value-based care financial terms or carve outs

Could you talk to some of the margin characteristics and long-term margin targets you've got? In particular, in Medicaid

could you talk a little bit about, how the individual businesses within CenterWell are performing relative to your 25 and long term kind of target margin

what's the medical cost trends you're seeing this year and next? And given the pressures on employers, what are some of the strategies they're looking at

Can you talk a little bit about the management process and strategic review process that you've undertaken with the company

Could you talk a little bit about the first quarter MLR impacts and maybe breaking out the impacts that were driven by the premium increases

Can you talk a little bit about what you perceive to be the major sources of dissatisfaction in those sorts of measures